The Ramsey Show (August 2, 2023)

The Ramsey Show (August 2, 2023)
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[@Brovillion559]

When my wife and I got married her family constantly told her to keep her money and save because she needs to be independent. After a couple years and therapy and church she finally saw the light and we combined incomes and now we are crushing it. Now she stays at home with the kids while I work. She crushes the budget weekly, all I can say is there is no such thing and being married and independent. Social constructs are wrong. We need to be together

[@kathrync1279]

I was burned before I met my husband. We are agreed as a couple on everything, but separate accounts work for us.

[@sbreezej1999]

That was beautifully said. I'm in a situation where I'm single but at the moment thinking about being in a relationship and eventually marrying and combining incomes is a very hard thing for me to grasp because I was with a very financially irresponsible person before. It's nice to see optimism and encouragement combined with success from this experience.

[@corneliabrauer8753]

Since I discovered the show a couple of weeks ago I watch it daily, an absolute must for everyone who wants to make some positive changes in their life 😀

[@faithwirth1486]

Same here

[@OopThereItIs77777]

This was a mainstay with my dad as a kid. I’m 30 & grew up with Dave; you’re so right! I still listen daily anytime I’m in the car. Welcome!!

[@REXS10]

Same.

[@Nigriff]

We drank the Kool-aid

[@vickikendricks1605]

Amen 😊

[@jcszot]

My mother was very concerned about her inheritance and not making any one of us upset/ angry. I’m one of three children. We all told my mother that her money was there for her and to take care of her. If she passes away and there’s some leftover fine, but if there’s not, we stressed that we were not going to harbor any ill feelings. She announced to the three of us that she planned to give me a little bit more than the other two. The reason behind this was because the other two children went to college with fully paid tuitions. I also became widowed at the age of 46. My siblings tuition‘s were fully paid by my parents as well as help from my grandfather. I went to vocational school instead, which was pretty cheap in comparison lol My mother feels that she should compensate me with a little bit more of an inheritance than the other two because they didn’t spend the same amount of money on me because I chose not to go to college. My mother is 83 years old and I really didn’t want her getting stressed out over this. I just told her that it was her decision, and of course, my siblings agreed. We all reassured her that whatever she decided it was fine. Our focus was on the remaining years of her life and enjoying her presence here on earth, and appreciating her for all the sacrifices, and the nice childhood that we had.

[@Emilyleestrong]

God bless you 👍

[@brookelondon8029]

I'm so glad that everybody discussed it and everybody knows what's going to happen. You have a wonderful family and you are so lucky that there is no dissension. And your mother sounds like a wonderful woman. I hope you all have her for a very long time!

[@jimmy79889]

Mental health is more important than ever before. Two days ago, I walked by a candlelight vigil on a bridge that was held because a depressed teenager jumped off the bridge. You are a wonderful and an important person

[@Trustbutverify2651]

Lots of poor mental health is due to social media, especially among teens.

[@jimmy79889]

@@Trustbutverify2651 Agreed

[@rickykings437]

I watch you guys all the way from Colombia, I am currently in debt but I am trying to get my baby steps going. You were put by God to help others, thanks

[@PepperPlant]

Dave your show is now part of my daily morning routine. Really appreciate your insight and willingness to share your systems. I love being debt free, there are so many times in life that debt seems to be the only choice and when I feel that way I think WHAT WOULD DAVE DO, and it has really helped.

[@Andejm78]

I watch this show daily. Has truly saved my life. You guys want more money? Imagine taking the money you put towards you debt, into your wallet. There’s your second job for you. Dave and team are life changers.

[@MMPM5870]

I didn’t have much debt because my dad always told us also about not having credit cards, debts etc. However, going through a divorce 3 years ago unfortunately I saw myself having to get credit cards (the old thing…build your credit blah blah), well I’ve used two credit cards for almost 3 years, and even being a not heavy spender, I was seeing myself paying over $300 for daily expenses to $2000 (due to trip abroad) every month. In November 23 I decided that January 2024 it would be the last month using/paying credit card. I cut my cards now in February, and the feeling of having my full income to work on was unbelievable. I’ve put aside the $1000 and already worked out a budget to keep doing that constantly. It works. And it is amazing 🎉 For you reading this comment, don’t miss the opportunity to make something better of your life!!!

[@debbievickery8524]

Congrats Dave and personalities for making #12 in podcasts. Wow!!!

[@lavernereenan4969]

My anxious is real! I just turned 80 and ten years ago with a husband with Alzheimer"s, I took a Reverse Mortgage and it is a nightmare. Even If you are desperate do not do it. I am very anxious over the fact they keep thretning to take my house due to paperwork I sent to them. Elderly people please do not make the stupid mistake i made. I live in fear of being homeless

[@melissam6037]

Have you been able to get any legal help ? The county I live in provides free legal council for seniors, my mom got really good help for sone issues she was having.

[@cantuig]

Dave Ramsey for US President 2024 🇺🇸

[@jasonboyle7445]

This show is a blessing!

[@traciireese1449]

We are working on paying off the last of my student loans at the end of this month thanks to Dave I never believe they were ever going to pay off student loans so we just continued to pay it down taking advantage of no interest

[@jcszot]

Dominic! DO NOT buy a house if you’re not married to this woman! My late husband did this before we met. He put $10,000 down on a home with a woman that he was not married to but they planned to get married. Well, the whole thing went sideways. He went to see a lawyer and the lawyer just shook his head and told him “There is nothing I can do for you. Why did you do this? You’re gonna have to buy her out and send her on her way.” The sad thing was the $10,000 was all of his money. None of it was hers . ***It took him almost 7 years to recover from the loss. Needless to say once he met me it was so hard for him to trust me. We did eventually get married, but it took a long time to get him to add my name to the deed with his. Even when Dave said if you want to get out of the house and you can’t find her to sign off…..but also, if you want to keep that house or sell it ….if her name is on the deed, she’s entitled to half. DO NOT do this! Please!!

[@JS-do7ux]

You are correct

[@rogerhoward1900]

That's why I bought my house and payed it off I told my in case I stupid enough to get married again she can't touch it that's how I got to keep my rentals when I got Divorced I bought them when I was single she was wanting me to put her name on the deeds you got to really watch women THEY ARE SNEAKY

[@Trustbutverify2651]

@@rogerhoward1900 And so are men. There is no gender difference on sneaky - but women usually get the benefit of the doubt which is not right. Women who complain need to remember they picked the men they're with!

[@melissam6037]

That’s a bummer, but how did it take 7 years to recover from a 10,000 loss?

[@Karen_HollowaySings]

Literally love the braids!! And both Dave & Jade!! Real Advice. 👏🏼👏🏼👏🏼

[@helenegosselin5220]

Thank you for offering this webinar for free 🙌 very much appreciated😊

[@debbievickery8524]

can't find the webinar link. Did you?

[@IAmDeGroots]

I wish someone was this positive towards me and my husband when we got out of college. Instead we got a lot of "take the first year of marriage for you," "take time to figure out what you really want to do," "you need to not work yourself to death," "you need to spend every weekend at your parents house," mixed in with a lot of "you're a victim" and "student loans are not fair" and other hopeless advice. We thought we'd never get out, so we didn't even try because that's what the adults in our lives did. 10 years later, we are hearing words of hope and realize that even now with 4 young kids and a house, that we can be debt free in 10 years living exactly like we are now ($106K student loan, $56 mortgage on $50K pre-tax income). Had we started 10 years ago, we could have been 100% free by now, but we were surrounded by despair not hope. Even now, we can increase income slightly by just doing simple things and be done sooner. Hope lights a fire. Keep giving it Ramsey and crew.

[@CerealianJay17]

Sheep

[@Trustbutverify2651]

And here's the bright light for you - when you do it, you can be a message and model of hope to others!

[@mmp495]

Love the comments of the student loan payoffs. 🎉

[@sherbrownsf2]

Keep the braids.. they're fire!

[@debbievickery8524]

amen

[@bluebelle9572]

💜

[@isatageorge9230]

This is the best podcast I’ve ever listened to 😊

[@3roachkidsdhe]

I read a lot of books but I still want to read this book. My life has already had many positive ch ages following John and Dave’s advice

[@Davefitz04]

Liz from Boston, it’s crazy to me that a a husband with 240k income can’t pay off his stay at home wife’s 4k credit card. Sounds toxic at best. You HAVE to have combined if one parent is going to stay home with the kids. That husband needs an ass whooping leaving his wife to fend for herself AND watch the kids. This stuck my nerves man.

[@samuelburton9761]

If I was married I wouldn’t pay my wife’s credit card debt either

[@meg8358]

​@samuelburton9761 why not?

[@samuelburton9761]

Because It’s not my credit card and I didn’t build up the debt

[@Trustbutverify2651]

Just remember we don't know the whole story there. Yes, he makes a lot and yes, they have two small children. But we don't know if she's even mentioned to him that she wants help with her loans. Her question was really about how SHE could pay it off. Reminder that everyone who gets married needs the full picture of any loans, credit score, etc. before the ceremony. The easiest time to pay things off is when you are still single - before you have those two small kids! (And even with small kids there is always something you can do to earn more money. If not, you didn't make the choice to get the training to support yourself if disaster strikes which is a decision every woman should make.)

[@jackkennedy1936]

@@meg8358 The key part of Samuel's statement is "If he was married"

[@scrubs4everr]

Love this show! 🎉

[@dakotagrayling8059]

I listen daily as I am delivering milk from the farm to the plant! Jade please don’t come at me!

[@Adrianfogarty2]

Lol I sleep to Ramsey show too

[@meaganmccarthy3001]

Love this show! Thank y'all for what you do 😀

[@krystal1022]

Id like to hear more calls from people that are paycheck to paycheck and make 50k or less a year lol so I can relate

[@JS-do7ux]

Yes! Exactly!

[@OopThereItIs77777]

Income UP outgo DOWN is exactly what he tells them

[@nowthatsurban]

They wouldn't have time for that many calls - that's how the average American lives.

[@isidorolopez265]

Right. On. Some realism into their sounds great to me

[@lilibethvilella]

My fav podcast ❤

[@rhondaadams4013]

Good show!!

[@DukeofEarl]

Can't order John's book from Ramsey in Canada :(

[@rosebush7000]

I agree, only that law and the order does not work the same for all so it becomes hard to Beth into hook line and sinker.

[@mboriginale]

Love this show but Dave referring to protest as anarchy 🤔

[@icawn]

He is saying chaos is bad for business. I'd agree that if he were going to talk on the matter, he should have kept it short and sweet, to reduce the likelihood of misunderstanding and misinterpretation.

[@mboriginale]

@@icawn yea I think his choice of a political rant today felt like an attack on poc. Which is pretty cringe with a woman of color by his side. I love this show but I will be taking a break after this episode

[@amireallythatgrumpy6508]

By protest, you mean riot. It went way past the point of a protest.

[@here1secgonethenext103]

I’m debt FREE! 🎉😊🎉

[@DonaldRedeemed]

Good program but the words cited as Habakkuk 2:3 are not a Bible verse at all. But a good quote from Oswald Chambers.

[@amandam5683]

Hey Ashley, I live in Colorado Springs and would love to buy your business. It would be a blessing to my family.

[@agingacademy]

How refreshing that dave acknowledged that there are right wing butts and not just left wing butts!! Finally recognizing harm in BOTH extremes.

[@amireallythatgrumpy6508]

Politics inspired the chorus of "Stuck In The Middle With You"

[@Nigriff]

He has frequently pointed out the idiocy of both parties and our federal government in general.

[@bettedavis9261]

1:59:39 The debt avalanche could work just as well as the debt snowball IF a person were to "play all the way through," so Dave saying it doesn't work is incorrect. The debt snowball doesn't work unless you "play all the way through," either. For either to work, one has to "play all the way through." I've heard many callers who started using the debt snowball, but didn't "play all the way through" and wound up going back in debt. Just because you start the debt snowball doesn't mean you'll finish it. Either way takes discipline.

[@nowthatsurban]

Holy words per minute, Laurie

[@JrJr-y6g]

Ashley I’ll buy it!!!! How to contact you???

[@AdvoLegacy1]

The other benefit of pausing investment while paying off consumer debt is that it motivates you to really be gazelle intense knowing nothing is going to retirement while paying off debt. Plus that debt is on things that don’t appreciate. Investing after paying off consumer debt and also paying extra on the mortgage makes sense because the home is also appreciating in value in most circumstances along with your retirement investments building value.

[@notgivingmyemail3381]

Maybe I just misunderstood what you meant, but paying extra on your mortgage does NOT make sense simply because the home is appreciating. There are other reasons paying extra is beneficial, but the home’s appreciation has nothing to do with the mortgage balance.

[@AdvoLegacy1]

@@notgivingmyemail3381 I think you are misunderstanding my comment. And the appreciation does come into play as a mortgage is a loan on an appreciating asset where a car loan is a loan on a depreciating asset. Not that paying extra on your mortgage makes the home value go up but the spread between your mortgage balance over time as compared to the value of the home is greater.

[@monicaambs]

The nurse making 50K as a home care nurse has Champagne taste and a beer budget. Or a Jade has said in the past people expect to have things but not willing to work more for it. Unrealistic expectations.

[@JS-do7ux]

*past* not passed. 🙄

[@monicaambs]

@@JS-do7ux Thank you 😊

[@brookelondon8029]

I must be the only one who loves the show but I cannot stand Jade's constant interjections. It interrupts the flow of the answers. I'm to the point where I can't listen to her when she's a cohost even though I think she's terrific and knowledgeable and answers questions just the way Dave would.

[@heatherweaver2641]

Love the show, but RNs in East Tn average 62k. No where neat 80-100.

[@JS-do7ux]

Thank you so much for saying this! I am the nurse who called. Dave, with all due respect did not let me finish what I was trying to say. I was going to tell him that I have health problems and cannot work on “the floor” anymore. I love home care. It doesn’t pay like other jobs but I can’t physically do those other type of jobs anymore. I want to work. I’m trying and busting my butt. I’m not lazy and I refuse to be on disability. I’m trying to save while being a single mom. It’s hard. Also, people who are not in the medical field often have a very exaggerated idea of what nurses make and the absolute stress we endure.

[@jjkatz]

@@JS-do7uxI’m a Rn too and no way can I work in a hospital anymore. Too stressful. I’ve worked in home health in the past and really liked it. Now I work at home in utilization review for a health insurance company and love it.

[@Nigriff]

If you buy a future classic car, it will gain value.

[@jjkatz]

How is someone( the 24 y/o engineer) making $86,000/yr gross going to pay off $75,000 student loan in a year? Sometimes they are so unrealistic. I mean people have to pay taxes and living expenses 🙄

[@strqueen123]

With extra jobs

[@twattgurll]

Every Ramsey personality has written books(wink wink) and sold tons of books as a part of Ramsey Solutions :)). Once they leave Ramsey- they are finished- Chris Hogan, Christie Wright, Pedro LaTorre, Alex Judd, Kristina ELLIS, forgot another Christian preaching personality- everyone is living under a rock now after they left or were let go- wonder why????

[@mattlaeff724]

Dave is the Star. Deloney is the Co-Star. All the rest that come in from the microphones --- Eh?

[@nowthatsurban]

So where does that put you, little guy typing furiously on his phone while christening the toilet? Other than your mother's holiday home movie extravaganza, what screen have you been on recently?

[@rogerhoward1900]

This video is a bunch of commercials

[@Trustbutverify2651]

They always do a LOT of marketing - got to pay for all those salaries and the $200 million building they are putting up. That' why I watch the KZbin videos at night - I can fast forward through the marketing.

[@monicaambs]

Jade had way more hair options when she didn’t have braids.

[@debbievickery8524]

are you serious? what a stupid comment.

[@nowthatsurban]

Yes, that's the only thing I was thinking during this 2 hour finance show...

[@Trustbutverify2651]

Dave should not be telling everyone their money invested in mutual funds will double every seven years - even in good quality funds. That requires a consistent return of 10.4% average yearly. Not everyone is getting that now.

[@jackkennedy1936]

You can't base it on a single year. Investing is supposed to be long term. The markets usually "average" more than 11% over a ten year period. "There is no short cut to wealth", you have to be patient, you can't rush a paycheck, you can't rush the markets.. Deep breath, and look longer term, you'll get there.

[@Eddie896182]

Look up “the rule of 72”. It will explain it.

[@nowthatsurban]

I've averaged more than that in the 17 years I've been investing in the S&P. And Dave has been investing longer than I've been alive. Don't knock his advice because you bought crypto during the pandemic. An AVERAGE return of 11% is close to guaranteed in the long run with basic, known investments. Read up on it more and get out of KZbin comments, ya little "expert."

[@Trustbutverify2651]

@@nowthatsurban You don't need to be nasty. I'm retired and very comfortable and have invested for the long term over THIRTY-FIVE years. (I'm older than Dave and have been doing what he recommends before there was the show or books.) I've seen all the ups and downs and I've stayed the course. Just pointing out that people need to choose carefully because not everyone is going to make those returns. And, I believe everyone can comment on the videos as much as they want. You don't need to read them.

[@Nigriff]

First 8 minutes is an infomercial pushing John's book. 😳

[@dianem4188]

True, but he's going to help a lot of people that need it. ♥

[@rogerhoward1900]

When ur married you are co dependent 😊

[@rogerhoward1900]

Just don't get married

[@Nigriff]

Any sentence that starts with "I have a friend who is a Banker..." always sounds like a bad idea

[@samuelburton9761]

A bunch of Ramsey brown nosers in the comment section 🤣😂🤣😂

[@OopThereItIs77777]

Hey we’re doing G R E A T over here😂

[@mboriginale]

I don’t think I’ve ever felt more uncomfortable than hearing Dave rant about how police brutality isn’t real

[@juanitadoll5481]

That’s not what he said, he never said it wasn’t real he just implied it does not happen as often as is implied. There are corrupt people in every career field but there are more good people than bad, don’t let one or two assholes run your opinion about all of them.

[@mboriginale]

@@juanitadoll5481 easy for you all to say when you aren’t a part of the effected communities. For us it does happen frequently. All black people have experienced racism from the police. It’s something we literally have to prepare our children for. Instead of trying dismiss our experiences , just say you can’t relate

[@Eddie896182]

Their are many variables that come into play. Many of the police brutality cases involve arrest situations. Non compliance and resisting will result in police having to use greater force than the suspect to gain control of the situation. Police work was never meant to be glamorous. Theirs no easy way to take someone into custody who’s doing all in his or her power to prevent it. Are there cases of brutality? Sure. But it’s not as widespread as the media has you believing. And police make millions of human interactions annually. The majority occur without any issues at all.

[@nowthatsurban]

​@@mboriginale she actually was just correcting you about what was actually said - and did it kindly, but you turned it into an argument against her and her race and brought your race into it. YOU just turned a simple comment into a race issue - great job! 👍

[@amireallythatgrumpy6508]

@@mboriginale American police hate everybody.

[@isidorolopez265]

Absolute Dave always bad habit with the interruptions always Dave with the bad bad bad interaction all the time I did that he’s doing OK thank you are

[@rogerhoward1900]

Why should he have to pay her student loans he did not make them

[@OopThereItIs77777]

They are a unit. Lol I’m helping pay my husband’s…he got them before we were married. He’s helping pay for what I accrued before marriage. Just say you don’t wanna be financially & psychically better off instead of peppering the comments with nonsense; the data is there. Married men live longer, are happier, have healthier hearts, & fatter bank accounts. Period

[@rogerhoward1900]

@@OopThereItIs77777 I don't know a happy married couple not one I have a friend at his barbershop guys would come in to get a haircut after they were done they would stay and shoot the breeze for hrs just to get away from there wife I can sight many more examples

[@rogerhoward1900]

@@OopThereItIs77777 and by the way my bankroll is very healthy and I been single since 1979 and I am a very happy guy I was in Wal mart and this couple were fighting and I said there's a miserable couple to this other couple and I said I don't know a happy married couple and the guy said well were happy and I said send her to go to the other side of the store but he wouldn't do it he was scared

[@OopThereItIs77777]

@@rogerhoward1900 You don’t know one happily married couple? My Lord, Roger…birds of a feather & ALLLLLA that. I can name 4 happily married couples off the bat right now 2 married for more than 40 years & 2 married wishing 15-28 Get some new friends, my word.

[@OopThereItIs77777]

@@rogerhoward1900 What? Lol. My husband & I are incredibly happy. We are a unit. An extremely happy one, but with normalcy of the occasional “we’re 2 people” fight. It’s not Downton Abbey in love; it’s not The Notebook, but finding someone who works with you & does anything to help/be there/be IT, is amazing. Sorry you’ve never witnessed it.